Terms of use

The plain version: this site explains what we do and shares general planning information. It is not personalized advice. Advisory services happen only under a written agreement. Using the site means you agree to the terms below.

What this site is

Wealth Habits publishes general information about financial planning, investing, taxes, retirement, and equity compensation. None of it is personalized financial, tax, legal, or investment advice, and reading it does not create an advisory relationship. Rules and figures change often, and your situation is your own, so confirm current details with a qualified professional before you act.

No advisory relationship

Wealth Habits is a registered investment adviser. Advisory services are provided only under a separate written agreement. Reading this site, subscribing to the newsletter, using a calculator, submitting a form, or booking an introductory call does not make you a client and does not obligate either of us to enter an advisory relationship. If you book a call, that conversation is simply to see whether working together makes sense.

Who can use the site

This site is built for adults making their own financial decisions, and the information is written for a United States audience. If you are outside the US, the rules and figures here may not apply to you. The site is not directed to children.

Calculators and tools

The calculators on this site are educational and illustrative. They simplify rules that have exceptions, they rely on assumptions you can change, and your actual results will differ. They are not projections, recommendations, or guarantees. Treat any figure they produce as a starting point for a conversation, not a plan.

The newsletter, forms, and booking

Several features run on trusted outside platforms. The newsletter is delivered through an email provider. Form submissions route through an automation service. Booking a call runs through a scheduling tool. When you use any of these, that provider's terms and privacy practices apply in addition to ours. Our privacy policy explains what each one collects.

Acceptable use

Please use the site the way it is meant to be used. Do not try to break it, overload it, scrape it in bulk, copy it wholesale, submit unlawful or harmful content where the site accepts input, impersonate anyone, or use it to send spam. We may limit or block access if someone does.

Our content

The writing, guides, tools, and design here belong to Wealth Habits unless noted otherwise. You are welcome to read everything and to share links. What you cannot do is republish substantial portions as your own, or use the content commercially, without our permission.

Third-party links and tools

We link to outside sources, including government sites and third-party tools. Those picks are our own opinion and are not paid placements unless we say so plainly on the page. We do not control any outside site or app, we are not responsible for their content, accuracy, pricing, or practices, and a link is not a blanket endorsement. Check them out for yourself before relying on them.

No warranties

The site is provided "as is" and "as available," without warranties of any kind, express or implied. We do not promise the information is complete, current, or error-free, and we do not promise the site will always be available.

Limitation of liability

To the fullest extent the law allows, Wealth Habits, along with anyone who works with us, is not liable for any loss or damage arising from your use of the site or your reliance on anything you read here. That includes lost money, lost opportunities, and indirect or consequential damages. Nothing in these terms limits any obligation we owe you under applicable securities laws, including our fiduciary duty to advisory clients. When you are making a real decision, get advice that fits your own situation.

Indemnification

If your misuse of the site, or your violation of these terms, leads to a claim against us, you agree to cover the reasonable costs of dealing with it.

Changes to these terms

We may update these terms as the site grows or the law changes. When we do, we will update the date at the top. If you keep using the site after a change, that means you accept the updated terms.

Governing law and disputes

These terms are governed by the laws of the State of New York, without regard to its conflict-of-laws rules, and any dispute will be handled in the courts located there, unless the law requires otherwise. We would always rather sort out a problem directly first, so please reach out before anything escalates.

Contact

Questions about these terms? Send us a message.